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Credit

6 Surprising Ways Having Bad Credit Hurts

NextAdvisor.com | Posted 12.21.2014 | Money
NextAdvisor.com

It's been said many times that having a low credit score can hurt your finances. In addition to the recognizable consequences, there are a few lesser known, but still hazardous, effects bad credit can have on you.

7 Credit Card Strategies To Help Your Credit

Credit.com | Posted 12.20.2014 | Money
Credit.com

Even though there are a few ways you can try and accelerate the process, it takes time to build credit. Credit cards can be one of the best ways to do so, and if you commit to using them properly, it can be worth the time you spend strategizing.

Daddy, I Want a Squirrel

Karen Ann Kennedy | Posted 12.14.2014 | Money
Karen Ann Kennedy

Anyone out there a fan of Charlie and the Chocolate Factory? I am! I know many diehard Willy Wonka fans were not happy with the remake, but I loved it!

Riots in the Streets?

Jim Gibson | Posted 12.13.2014 | Money
Jim Gibson

Are you aware that there is in fact a new improved credit score? Yes, that's right, a new kid on the credit scoring block. If actually used, this new credit scoring formula could actually end up helping those misrepresented by current credit scoring models.

VIDEO: How to Repay Student Loans Once and for All

Lauren Bowling | Posted 12.10.2014 | Money
Lauren Bowling

With the average adult nearly $27,000 in debt due to student loans and the rising costs of higher education, the debt crisis has become the newest scapegoat for the lagging real estate market and slow economic growth.

Finding Out Whom to Trust When You Do Business Together

Gini Graham Scott | Posted 12.02.2014 | Business
Gini Graham Scott

I began thinking about the importance of knowing whom to trust in doing business together when I experienced two major breaches, one as a customer seeking services and another when I was providing services myself.

4 Reasons Credit Cards Are Better Than Cash

Simple. Thrifty. Living. | Posted 11.15.2014 | Money
Simple. Thrifty. Living.

If you are tempted by credit and can't be counted on to control your spending habits, then by all means, stick to cash. However, if you are able to use your credit card like cash and pay off your balance at the end of every month, credit cards can offer some great benefits.

Are You Afraid of Money? 6 Ways Math Fears Can Cost You

Simple. Thrifty. Living. | Posted 11.10.2014 | Money
Simple. Thrifty. Living.

People who can navigate the more complicated math problems of the money world end up saving hundreds, if not thousands, in fees, interest and taxes. So the big question is: Is being afraid of money costing you?

3 Simple Steps to Financial Gratitude

David A. Dedman | Posted 11.09.2014 | Money
David A. Dedman

Don't go into further debt or make your situation full of anxiety. If you can save more money, do it. If you can reduce debt, then by all means do it. Anytime you have the money to improve your personal conditions both physically or financially you should do it.

Is America Now a Debtor Nation?

Curtis Arnold | Posted 11.04.2014 | Money
Curtis Arnold

Have a few blemishes on your credit report? You're not alone. According to a recent study from the Urban Institute, over one-third of Americans had debt in collections in 2013.

What Do You Know About Your Credit Card?

NextAdvisor.com | Posted 11.02.2014 | Money
NextAdvisor.com

NextAdvisor.com surveyed Facebook users ages 18 and older throughout the U.S. to find out exactly what they do and do not know about their cards. Shockingly, we found that most don't know the basics about their cards and are even making some crucial mistakes when it comes to credit.

How to Build Credit for Millennials

Jeanne Kelly | Posted 10.27.2014 | Money
Jeanne Kelly

I was recently asked by a darling 20-something gentleman, who graduated from college in the last few years, how he can begin building his credit now t...

Like Payday Loans, Lawsuit Loans Increasingly Coming Under Fire

Sara Warner | Posted 10.20.2014 | Politics
Sara Warner

With civil courts underfunded and litigation increasing, even simple cases are going to take years and years to attain their day in court. And the structure of these loans become truly predatory as the cases linger.

3 Ways To Improve Your Credit Score In Less Than 5 Minutes

Simple. Thrifty. Living. | Posted 10.20.2014 | Money
Simple. Thrifty. Living.

If you are looking to buy a car, rent an apartment or take out a loan, you need to make sure that your credit score is at it's best. While it takes seven years for most derogatory items on your credit report to be removed, there are a few things you can do to raise your credit score sooner.

Credit Check: What's Your Credit Score?

WiserAdvisor.com | Posted 10.19.2014 | Money
WiserAdvisor.com

Your credit score impacts a lot in your life, from buying a car to buying a house and even, sometimes, to getting a job. (Believe it or not, some employers check your credit report.) You owe it to yourself to know exactly what your credit score is, and how you can go about making it better.

5 Things You Won't Believe Hurt Your Credit Score

NextAdvisor.com | Posted 10.18.2014 | Money
NextAdvisor.com

Deciphering your credit score can be difficult, especially if you don't know all the ways you can be hurting it. Your credit is not only attached to your credit card use, but with many everyday financial activities.

5 Things Excellent Credit Can Do for You

NextAdvisor.com | Posted 10.16.2014 | Money
NextAdvisor.com

Have you ever thought of how an excellent credit score may impact your life? It's no secret that there are a number of benefits to having a high score. Simply put, it can affect many of your current and future financial decisions. Here are a few things that excellent credit scores can do for you.

The EU's Anti-Austerity Hypocrites

Steve H. Hanke | Posted 09.29.2014 | World
Steve H. Hanke

According to the coalition, its members simply cannot impose further spending cuts. They assert that their budgets have been cut to the bone. This claim is ludicrous.

Poverty Is Profitable: 1 out of 3 US Consumers in Debt Collection

Peter Van Buren | Posted 09.28.2014 | Politics
Peter Van Buren

A new report by the Urban Institute and Encore Capital Group's Consumer Credit Research Institute shows 77 million Americans -- 35 percent of those with files at a major credit bureau -- have a debt in collection. But as you can expect, there is always someone profiting from poverty.

This Company Lures Needy Service Members Into Debt And Then Sues Them

Washington Post | Posted 07.28.2014 | Impact

Army Spc. Angel Aguirre needed a washer and dryer. Money was tight, and neither Aguirre, 21, nor his wife had much credit history as they settled i...

Learn to Recognize Mortgage Relief Scams

Terrell McSweeny | Posted 09.23.2014 | Money
Terrell McSweeny

If you are having difficulty making your mortgage payments or possibly facing foreclosure on your home, you're not alone. And unfortunately, there are some opportunists who know it and may try to take advantage of you.

7 Ways To Boost Your Credit Score

WiserAdvisor.com | Posted 09.22.2014 | Money
WiserAdvisor.com

A poor credit score can hurt your chances of success, whether you're looking for private student loans or shopping for your next set of wheels. But if your credit score is already in the 600's or below, there's good news: you can fix bad credit.

Can I Live Without Credit?

Credit Karma | Posted 09.14.2014 | Money
Credit Karma

Living without credit is possible. Is it advisable though? Is it accomplishable without frustrating limitations? Those are different questions.

4 Unexpected Times Your Credit May Be Checked

Credit Karma | Posted 09.07.2014 | Money
Credit Karma

When it comes to your financial health, your credit score is one of those things that'll just keep seeking you out. It's tempting to think that your credit score or credit health will only come into play when you're looking for a mortgage or a new credit card. The truth is that your credit information can be checked far more often than you might think.

The Case for Restoring the 97% LTV Mortgage at Fannie Mae and Freddie Mac

Tino Diaz | Posted 09.01.2014 | Politics
Tino Diaz

Keep in mind, Fannie Mae and Freddie Mac already purchase 97% LTV mortgages from state housing finance agencies throughout America. Why not reinstate this policy to help restore sustainable homeownership for responsible everyday borrowers while also helping to jumpstart America's economy?